hi went on noddle and although ive been discharge from my bankruptcy since august 2013 all my creditors are still marking a RED default right up to this month,none are maked as satified as im sure they should be ,whats my next plan of action to be to clear these defaults from the main credit referan...

with £42000 of debt before i was made bankrupt i felt the whole world on my shoulders an IVA would not work so i knew bankrupty was the only way to go,the letters from creditors were coming through the door every day lack of sleep and weight loss were constant,which way to turn after selecting a com...

finaly after a long year i disharged from my bankruptcy at last seemed a long year but now im free and able to get along with my life i had one small payday loan in that year i needed that money at a desperate time other than that id say ive done wellive learnt to work out my finances months in adva...

one week to go untill im discharged from my bankruptcy and £43,000 worth of debt,its been a long hard 12 months,full update in one weekby the way most creditors have been very good except santander they are a nightmare and from my day of being bankrupt 1st august 2012 ive recieved 15 letters from th...

well maybe a few people who have read this post now know there is a choice but id ike to see that on a bigger scale ,i myself have change 3 people i know from a paying company to stepchange and i can honestly see no differance in the two except the fee you pay to a paying company

i agree with a lot of points made by andy and foggy and agree that a paying company or a non paying company is done to choice im just stating i feel people need the information that there is a choice, i now see stepchange have got tv adverts which is good because people can see theres a choice,look ...

well i can almost feel that a lot of people on here do not agree with a free company which seems very strange but i suppose each to their own,at the end of the day i dont want to see people who are in debt being taken advantage off going with a company that takes a % of what their payingif you were ...

just rung my friend any told me that they paid an upfront fee to harrington brooks of £300 so in fact im now thinking what a rip off ,there was no upfront fee with stepchange im still missing something or am i right in saying that its just good business to keep people in the dark regarding the free ...

so a general lack of imformation all round can put you with a company that charges or a company that dosent,if say harrington bro oks were offering sometime better than stepchange fine but i cannot see the differance really,im simple terms stepchange seems to do doing accactly the same thing as comp...

ok so these charges are they added at the start or the end of the dmpso say my friend pays all the monthly money to stepchange and 5 years later when their dmp is to finish could any creditor add either interest or charges at the end?

just remember im from essex ok so talk slowly in proper english lol

yeah i see but fight for what? enlighten me i just carnt see the differance my friend is paying the same as they were with harrington brooks but their dmp will be 18 months shorter it just dosent add up to me i must still be missing it somewhere

ah i see they also do DRO and BANKRUPTCY so there not really going to make much there,so if you had a choice would it be stepchange or a differant company,i find that stepchange have been really top notch with my friend and harrington brooks just really didnt care,when they stopped there direct debi...

recently a friend who was with harrington brooks on a dmp asked me for help as they were paying over £35 a month just in charges to harrington brooksi put them on to stepchange the charity company who does dmp,s now all of the monthly money they pay goes to the creditors,my question is why do people...

ive been bankrupt for over 10 moths now,firstly i stated a proposal of an iva then icould see that i was not going to be able to make the payments so went bankrupt instead,the OR will calculate everything in all your expenses even down to haircuts etc ,i had nothing left so ive never paid anything a...